Align Your Investments: Financial Planning for Every Life Stage
Business
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Moneycontrol•23-01-2026, 07:47
Align Your Investments: Financial Planning for Every Life Stage
- •Investment decisions should align with age, life stage, goals, income stability, responsibilities, and risk capacity, not just returns.
- •Risk appetite is determined by the ability (income stability) and willingness (reaction to market volatility) to take risks.
- •Younger investors (late 20s-early 30s) with long horizons can take higher equity exposure, focusing on discipline and expense management.
- •Mid-career investors (late 30s-40s) face high financial demands; portfolios need to balance growth with stability, and insurance becomes critical.
- •Pre-retirement investors (late 40s-50s) should balance long-term retirement goals with medium-term needs, gradually reducing equity exposure as retirement nears.
Why It Matters: Align investments with your life stage, goals, and risk capacity for effective financial planning.
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